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INSURANCE By David Kim | Financial Strategy Writer | Last verified: March 2026
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Cons

  • Won’t cover pre-existing conditions
  • Premiums increase with age (can jump 10–*15% annually after age 7)
  • Still leaves you with out-of-pocket costs (deductibles, co-pays)
  • Breed-specific exclusions and restrictions
  • Waiting periods (14–30 days for illness coverage)
  • Reimbursement model means you pay first, wait for refund
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INSURANCE By David Kim | Financial Strategy Writer | Last verified: March 2026
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Cons

  • Won’t cover pre-existing conditions
  • Premiums increase with age (can jump 10–*15% annually after age 7)
  • Still leaves you with out-of-pocket costs (deductibles, co-pays)
  • Breed-specific exclusions and restrictions
  • Waiting periods (14–30 days for illness coverage)
  • Reimbursement model means you pay first, wait for refund
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